Leadership Team

Vishal is the Head of Rural Business at Fullerton India. Under his leadership, Fullerton India’s rural business continues to innovate and contribute at a steady pace. He has executed a multi-pronged approach that is driven by diversification and digitisation.

Vishal joined Fullerton India in March, 2012 from Tata Consultancy Services, where he was the Head of Consumer Operations - India Retail. Previously, Vishal worked with Citibank N.A. handling Distributions Operations, Risk Management and Credit Operations across retail products and Branch Banking. He has also worked with ABN AMRO and Citigroup as the Head of East Collections - Cards.

A Chartered Accountant from the Institute of Chartered Accountants of India, he has over 21 years of experience in Banking and Financial Services across credit cards, consumer banking products, collections and retail banking operations. He is an alumnus of Harvard Business School.

Ajay Pareek is the Chief Business Officer of Fullerton India. He is responsible for leading all core businesses, including Rural, Urban, Digital, and marketing function.

Ajay has more than 24 years of experience in the financial services sector. He had a very successful stint of over 13 years as the Head of Urban Business at Fullerton India. During his tenure, he was responsible for designing the product strategy, setting up the secured and the unsecured businesses, expanding the branch network, and made significant contributions towards tapping the potential of emerging markets, third-party products, and more. He has also worked with Aditya Birla Finance Ltd., Jana Small Finance Bank, CitiFinancial Consumer Finance India ltd. and A. F. Fergusons & Co. In his career, he has been responsible for business planning, sales & distribution, launching new products & processes, credit underwriting, collections, product strategy and setting-up and running large distribution networks.

He is a Chartered Accountant and a Harvard SELPI alumnus.

Arvind is the Head of Treasury at Fullerton India. He is responsible for all liabilities strategy, surplus management and investor relationships. The Treasury has played an important role in maintaining stable, renewable and efficient funding and improved liquidity management.

Arvind has close to 25 years of experience in financial markets across various roles. He has worked in varied organisations including a Primary Dealership Bond Trading firm, a Foreign Bank and a Non-Banking Finance company. Prior to joining Fullerton India, he was associated with Standard Chartered Bank as their Head of Rates Trading before moving on to becoming their Chief Operating Officer – Markets. In his earlier stints, he was associated with ICICI Securities, where he was instrumental in setting up the ‘interest rate derivatives’ desk.

Arvind is an Engineer and an MBA from FMS, Delhi. He is an alumnus of Harvard Business School.

As Chief Risk Officer for Fullerton India, Deepak is responsible for identification, measurement and mitigation of risks along with inherent and control risks.

Deepak has over 25 years of experience in various leadership roles spanning Risk Management, Audit, Quality Assurance, Sales and Distribution and Collections. In his previous stint at Fullerton India as Chief Risk Officer, Deepak had established a strong balanced culture of business enablement with prudent risk measures, strongly backed by analytics, high governance and control standards.

Prior to joining Fullerton India, Deepak has served on leadership roles across companies such as, Magma Fincorp Ltd, Citibank, HCL Infosystems, and Cable Corporation of India.

He is an Electrical Engineer with a Masters in Management from Jamnalal Bajaj Institute, Mumbai.

Ekhlaque is the Chief Technology Officer at Fullerton India. As the organisation evolved to become more digital, he has played a key role in leveraging and implementing the latest technologies to drive revenue, reduce cost and improve customer experience.

Ekhlaque has over 22 years of experience, and this extends across having worked in India and overseas. Prior to joining Fullerton India, he was associated with leading brands like GE, where he held various roles, HT Media as group CIO and more recently he has worked with Max Life Insurance as EVP and Head IT.

He is a certified Master Black Belt, an NLP practitioner and a life and executive coach. Ekhlaque is a B.Tech (Manufacturing Science) from IIT Kharagpur and an MBA (Information Management) from SP Jain Mumbai.

Pankaj Malik is the CFO and Head of Strategy Execution at Fullerton India. His responsibilities include corporate strategy, business partnership, planning, accounting, taxation, compliance and corporate governance functions.

Pankaj has over 20 years of experience and worked in various capacities across finance & allied functions. Prior to joining Fullerton India, Pankaj was associated with COLT Telecom (“COLT”), an affiliate of Fidelity international. As their Financial Controller and Company Secretary, he was instrumental in setting up their India operations. In his earlier stints, he was associated with GE Commercial Financial and Motherson Sumi Systems Limited in various capacities.

Pankaj is an alumnus of Harvard Business School. He is also qualified Chartered Accountant, Company Secretary, Cost Accountant and Certified Public Accountant from the State of Colorado, the USA.

Pavan Pal Kaushal is the Chief Operating Officer at Fullerton India.

He is a career banker with over three decades of experience in the financial services sector across several leading global banks and consulting. Prior to joining Fullerton India, Pavan was the Chief Risk Officer at IDFC Bank, and part of the Leadership team. He was previously a Partner with Ernst & Young, Chief Risk Officer at ANZ Bank India and held several senior leadership roles both domestic and international at Citibank. Pavan is a Chartered Accountant and a MBA (Finance).

Rakesh is the Chief Executive Officer of Fullerton India Home Finance Company Limited. He has over two decades of expertise in establishing new and successful businesses, managing large and multi-pronged distribution networks, and developing unique and customer-centric products - all within a robust Risk Management framework. He has also spearheaded Business, Marketing & CSR functions at Fullerton India.

Before joining Fullerton India, Rakesh was the President and Chief Distribution Officer at DHFL. It has been Rakesh’s forte to set up new finance companies and scale up business volumes. In the past, he has held senior leadership roles at organisations, including Capital First, Citi Financial Consumer Finance India Limited and Bank of America.

He is a national rank holder at the Institute of Chartered Accountants of India and a Certified International trainer within Citigroup. He also holds an MBA from the Institute of Management Technology, Ghaziabad and a Bachelors’ degree from Delhi University.

Rahul Bhardwaj is the Chief Information Officer and Head – Operations & Customer Service at Fullerton India. In his earlier stint at Fullerton India between 2006-17, he held multiple leadership roles. He was responsible for designing and implementing the first full suite of Technology applications at Fullerton India, as well as the creation of a regional structure for operations and instituting a metric-driven delivery culture. In his illustrious career spanning more than two decades, he has also worked with Jio Payments Bank, ICICI Bank, Aptech Internet and Globus Stores.

Rahul holds a B.E in Electrical Engineering from Delhi College of Engineering and a PGDBM from IIM Bangalore.

Sanjiv is the Head of Operations & Customer Service for Fullerton India. His expertise spans across developing and ensuring the necessary Operations policies, procedures and compliances are in place and to ensure effective execution and support to all business units.

He has over 25 years of diversified experience including 20 years in Financial Services in Branch Administration, Credit and Operations. Prior to joining Fullerton India, Sanjiv was associated with DHFL, Deutsche Post Bank Home Finance Limited (Part of Deutsche Post Germany) and BHW Holding AG of Germany.

He holds a Post Graduate degree in Economics and a Post Graduate diploma in Business Management.

Sanjeet is the Head of Urban Business for Fullerton India. He has been instrumental in revamping the current businesses along with implementing a product expansion strategy, with an aim to add and strengthen the existing business line, in addition to a focus on catering to retail and MSME clients across diverse spectrums.

A startup specialist, he has over 25 years of experience in the Financial Services industry. Prior to joining Fullerton India, he was associated with Tata Capital Limited, where he held several senior positions including - Head for Unsecured Loans and Alternate Channel, COO for Retail Equity & Distribution and Product Head for Retail products. In his earlier stints, he had worked with leading brands like HDFC Bank, Daewoo Motors, Countrywide, Anagram Finance and Gujarat Lease Financing Limited.

Sanjeet holds an MBA from DBIM, South Gujarat University and a Bachelor’s degree in Physics (Honors) from Maharaja Sayajirao University, Baroda.

As Chief People Officer for Fullerton India, Swami heads the people strategy, their development and deployment across the large franchise. He is focused on fostering the right culture, centered around our Values, to drive performance through a highly engaged workforce.

Swami has over 23 years of experience in various HR leadership roles spanning Consulting, Mergers & Acquisitions, HR Governance, and Compensation & Benefits with in-depth exposure to Asia, Africa & Middle East Markets. In his previous stint in Fullerton India, between May 2013 and Dec 2017, Swami laid the foundation of people development, designed rewards & benefits, and had established a strong culture by articulating our Vision and Values, much of what is practiced today. Prior to joining Fullerton India, Swami was leading the Human Resources function across companies such as, Sterlite Power, Reliance Capital, JP Morgan, Barclays, Standard Chartered Bank and Accenture.

He is a gold medallist in Civil Engineering from Jadavpur University, Kolkata, and an MBA from XLRI Jamshedpur.

Vishal is the Head of Rural Business at Fullerton India. Under his leadership, Fullerton India’s rural business continues to innovate and contribute at a steady pace. He has executed a multi-pronged approach that is driven by diversification and digitisation.

Vishal joined Fullerton India in March, 2012 from Tata Consultancy Services, where he was the Head of Consumer Operations - India Retail. Previously, Vishal worked with Citibank N.A. handling Distributions Operations, Risk Management and Credit Operations across retail products and Branch Banking. He has also worked with ABN AMRO and Citigroup as the Head of East Collections - Cards.

A Chartered Accountant from the Institute of Chartered Accountants of India, he has over 21 years of experience in Banking and Financial Services across credit cards, consumer banking products, collections and retail banking operations. He is an alumnus of Harvard Business School.